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Contractors Insurance

Contractors Insurance Colorado

At Southern Colorado Insurance Center (SCIC), we provide a range of general liability insurance products, including contractor’s general liability insurance. Like in some states, Colorado requires general contractors to be licensed locally.

Subsequently, Internal Revenue Service (IRS) considers independent contractors as business owners. This means there are challenges involved that can subject you to potential lawsuits –from an injured customer to an unhappy client. So as an independent contractor, you have every reason to protect your business financially. We provide general liability insurance for independent contractors of all sizes! We can insure your business whether you’re a small artisan or an experienced large electrical contractor. Whatever your trade, ensure you have the proper insurance and bonds in place at all times to protect you.

Why do you need General liability insurance as a contractor?

Contractors Insurance for independent contractors is essential as it helps protect you against possible third-party injury and damage lawsuits. Even though contractor insurance is not a mandatory requirement in Colorado, remember that your business will be subjected to various risks whenever you are in operation.

For example, a customer may suffer bodily injuries or property damage due to negligence, triggering legal actions. Your general liability policy should address:

  • General liability – covers defense costs, contractual liability for the third party, harm caused by property damage or bodily injury. For example, if you or your employee trips or falls and sustains an injury while working, the general liability insurance would cater for the medical expenses associated with the accident.
  • Products and completed operations – If someone gets injured because of an unfit product, this policy will cover the losses associated with the damages.
  • Advertising personal injury policy – If you advertise your business in a way that harms another person's reputation, this coverage will take care of the claim.

Why Choose SCIC?

  • Personalized insurance packages for independent contractors
  • Competitive rates
  • Superior customer service and support
  • Fast and easy process

Get  Contractor’s Liability Insurance Today!

If you're interested in obtaining general liability insurance in Colorado, we atSouthern Colorado Insurance Center can help. We are committed to offering contractors the best insurance protection at the most competitive rates in the market. Pleaseget in touch with us today to discuss your insurance needs with one of our agents and get a free quote. If you need commercial auto insurance for one vehicle or for a small fleet of vehicles, we can insure it. We even have insurance to protect your equipment while on the job site.